Hdfc rupay UPI credit card vs hdfc shoppers stop rupay credit card

[aajmera]

I was just looking a rupay credit card from hdfc and found something unique

.hdfc shoppers stop is a ltf card ( at some places it is mentioned that they have levied a fees of 299 + gst from 1 March 2024, although on hdfc bank site, it is written ltf)
It is paying 2 points of every 150 spend
And 6 points on every 150 spend on shoppers stop
1 point= 0.6
Hence on normal spend it provides 0.8%
And on shoppers stop it provides 2.5%



On the other hand hdfc rupay UPI comes with an annual fees of 250 plus gst ( waived on spending on 25k in a year). However benefits of this card is:

• 3% Cashpoints on Groceries, SuperMarket & Dining spends & PayZapp transactions.
• 2% Cashpoints on Utility spends
• 1% Cashpoints on other spends

Where 1 point is rs 0.25.
Even if we spend in dining, grocery, max we can get is 0.75 per 100.

I do feel hdfc rupay UPI is a useless card in front of hdfc shoppers stop rupay credit card.

Any views, if I am missing out anything

 

[Skylar]

I do feel hdfc rupay UPI is a useless card in front of hdfc shoppers stop rupay credit card.

I feel both Shopers stop and UPI are useless as
Tata Neu plus give - 1% Neu coins and Tata Neu infinity give - 1.5% neu coins
it is better to use those instead of those cards, Even Tata neu coins are not that great as you have to use them on Tata sites and where everything is overpriced compared to Flip and amazon.